Your Travel Insurance Policy 2019 - Flexicover Travel Insurance
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Your Travel Insurance Policy
Single Trip · Annual Multi-Trip · Long Stay · Gap Year
2019
Master Policy Number: RTACD40026-01Contents
Policy summary 6-9
Policy wording and definitions 10-14
General conditions applicable to the whole policy 14
Claims conditions 15
Important conditions relating to health 15-16
General exclusions applicable to all sections of the policy 16-18
Sports and activities covered 18-19
Medical assistance helpline 20-21
Reciprocal health agreements with other countries 21
Section 01 – Cancellation and curtailment 21-23
Section 02 – Emergency medical and other expenses 23-25
Section 03 – Hospital benefit 25
Section 04 – Personal accident 26
Section 05 – Baggage 26-27
Section 06 – Personal money, passport and documents 28
Section 07 – Personal liability 29
Section 08 – Delayed departure and abandonment 29-30
Section 09 – Missed departure 30-31
Section 10 – UK departure assistance and Missed UK connection 31-32
Section 11 – Legal expenses and assistance 32-33
Section 12 – Extended kennel and/or cattery fees 33-34
Section 13 – Hijack and kidnap 34
Section 14 - Incarceration abroad 34-35
Section 15 - Scheduled airline failure 35
Section 16 - Gadget cover 36-37
Section 17 - Cancellation and curtailment 38-39
Section 18 - Substitute accommodation 39-40
Section 19 - Enforced stay 40-41
Section 20 - Missed connections 41-42
Section 21 - Green fees 42
Section 22 - Golf equipment hire 42-43
Section 23 - Golf equipment 43
Section 24 - Hole-in-one 43
Section 25 - Business goods or equipment 44
Section 26 - Business equipment delay 45
Section 27 - Business equipment hire 45
Section 28 - Business money 45-46
Section 29 - Replacement staff 46
Section 30 - Wedding/Civil Partnership Plus 46-48
Section 31 - Missed port 48
Section 32 - Stateroom/Cabin confinement 48
Section 33 - Unused pre-booked excursions 49
Section 34 - Itinerary change 49
Section 35 - Cruise connection 49-50
Section 36 - Ski equipment 50-51
Section 37 - Ski equipment hire 51-52
Section 38 - Ski pack 52
Section 39 - Piste closure 52-53
Section 40 - Avalanche or landslide 53
Section 41 - Course fees 53-54
Section 42 - Computer equipment 54
Data Protection 55-56
Complaints procedure 57
3Summary of cover Summary of cover continued
The table shows the maximum benefits you can claim and the policy excess applicable for each trip, for each insured person (unless Platinum
otherwise stated). Some sections are optional - your policy schedule will show if you selected any of these options. Please refer to each Bronze Silver Gold (Single Trip and
Annual Multi-Trip Only)
individual section for any sub-limits that may apply.
Policy Policy Policy Policy
Platinum Section Cover Up to excess Up to excess Up to excess Up to excess
Bronze Silver Gold (Single Trip and
Annual Multi-Trip Only) Golf Plus (Optional)
Policy Policy Policy Policy
Section Cover Up to excess Up to excess Up to excess Up to excess 21 Green fees £250 Nil £250 Nil £250 Nil £250 Nil
1 Cancellation and curtailment £750 £125 £1,000 £95 £5,000 £65 £10,000 Nil 22 Golf equipment hire £200 (£35 per 24hrs) Nil £200 (£35 per 24hrs) Nil £200 (£35 per 24hrs) Nil £200 (£35 per 24hrs) Nil
(Loss of deposit) (£25) (£25) (£25) (Nil) 23 Golf equipment £1,500 £125 £1,500 £95 £1,500 £65 £1,500 Nil
2 Emergency medical expenses abroad £2,500,000 £125 £5,000,000 £95 £7,500,000 £65 £10,000,000 Nil 24 Hole-in-one £75 Nil £75 Nil £75 Nil £75 Nil
Emergency dental treatment £250 £125 £250 £95 £250 £65 £500 Nil Business Plus (Optional)
Burial or cremation £2,500 £125 £2,500 £95 £2,500 £65 £2,500 Nil 25 Business goods or equipment £1,000 £125 £1,000 £95 £1,000 £65 £1,000 Nil
3 Hospital benefit £250 (£25 per 24hrs) Nil £500 (£25 per 24hrs) Nil £1,000 (£25 per 24hrs) Nil £1,500 (£50 per 24hrs) Nil Business samples £500 £125 £500 £95 £500 £65 £500 Nil
4 Personal accident Single article limit £750 £125 £750 £95 £750 £65 £750 Nil
Accidental death £2,500 Nil £5,000 Nil £20,000 Nil £50,000 Nil 26 Business equipment delay £500 (£100 per 24hrs) Nil £500 (£100 per 24hrs) Nil £500 (£100 per 24hrs) Nil £500 (£100 per 24hrs) Nil
27 Business equipment hire £750 (£150 per 24hrs) Nil £750 (£150 per 24hrs) Nil £750 (£150 per 24hrs) Nil £750 (£150 per 24hrs) Nil
Loss of limb or sight £2,500 Nil £10,000 Nil £20,000 Nil £100,000 Nil
Emergency courier of essential
Permanent total disablement £2,500 Nil £10,000 Nil £20,000 Nil £100,000 Nil
business equipment £300 £125 £300 £95 £300 £65 £300 Nil
5 Baggage No cover n/a £750 £95 £2,000 £65 £3,000 Nil
29 Business money £1,000 £125 £1,000 £95 £1,000 £65 £1,000 Nil
Single article, pair or set No cover n/a £100 £95 £300 £65 £500 Nil Cash limit £500 £125 £500 £95 £500 £65 £500 Nil
Valuables in total No cover n/a £100 £95 £300 £65 £500 Nil 29 Replacement staff £1,500 £125 £1,500 £95 £1,500 £65 £1,500 Nil
Business goods or equipment No cover n/a No Cover n/a £400 £65 £1,000 Nil Wedding / Civil Partnership Plus (Optional)
Emergency replacement of baggage No cover n/a £100 Nil £100 Nil £250 Nil 30 Wedding rings (per person) £250 £125 £250 £95 £250 £65 £250 Nil
6 Personal money, passport and No cover n/a £250 £95 £500 £65 £750 Nil Wedding attire (per person) £1,000 £125 £1,000 £95 £1,000 £65 £1,000 Nil
documents
Wedding gifts £1,000 £125 £1,000 £95 £1,000 £65 £1,000 Nil
Cash No cover n/a £150 £95 £200 £65 £350 Nil Gift cash limit £150 £125 £150 £95 £150 £65 £150 Nil
7 Personal liability £500,000 £125 £1,000,000 £95 £2,000,000 £65 £3,000,000 Nil Single article limit £300 £125 £300 £95 £300 £65 £300 Nil
8 Delayed departure No cover n/a No Cover n/a £300 (£20 first 12 hrs, Nil £500 (£50 first 12 hours, Nil Wedding photographs
£10 each other 12 hrs) £30 each other 12 hours) or video recording £750 £125 £750 £95 £750 £65 £750 Nil
Abandonment No cover n/a No Cover n/a £5,000 £65 £10,000 Nil Cruise Plus (Optional - Single Trip and Annual Multi Trip only)
9 Missed departure No cover n/a £500 Europe Nil £500 Europe Nil £750 Europe Nil 31 Missed port £300 (£50 per port) Nil £300 (£50 per port) Nil £300 (£50 per port) Nil £300 (£50 per port) Nil
£1,000 Worldwide £1,000 Worldwide £1,500 Worldwide 32 Stateroom / Cabin confinement £300 Nil £300 Nil £300 Nil £300 Nil
(£50 per 24hrs) (£50 per 24hrs) (£50 per 24hrs) (£50 24hrs)
10 UK departure assistance and
Missed UK connection No cover n/a £500 Nil £500 Nil £500 Nil 33 Unused pre-booked excursions £300 Nil £300 Nil £300 Nil £300 Nil
11 Legal expenses and assistance £2,500 Nil £10,000 Nil £25,000 Nil £50,000 Nil 34 Itinerary change £300 (£50 per change) Nil £300 (£50 per change) Nil £300 (£50 per change) Nil £300 (£50 per change) Nil
12 Extended kennel and/or cattery fees No cover n/a £250 Nil £250 Nil £750 Nil 35 Cruise connection £1,500 Nil £1,500 Nil £1,500 Nil £1,500 Nil
Winter Sports (Optional)
13 Hijack and kidnap No cover n/a £5,000 (£50 per 24hrs) Nil £5,000 (£50 per 24hrs) Nil £20,000 (£100 per 24hrs) Nil
36 Ski equipment £500 £125 £500 £95 £500 £65 £1,200 Nil
14 Incarceration abroad (Gap Year only) No cover n/a £500 Nil £500 Nil No Cover n/a
Hired ski equipment £250 £125 £250 £95 £250 £65 £600 Nil
15 Scheduled airline failure No cover n/a £1,500 £95 £2,000 £65 £2,500 Nil
37 Ski equipment hire £300 (£15 per 24hrs) Nil £300 (£15 per 24hrs) Nil £300 (£15 per 24hrs) Nil £500 (£25 per 24hrs) Nil
Gadget cover (Optional)
38 Ski pack £500 Nil £500 Nil £500 Nil £500 Nil
16 Up to 5 gadgets (cover per policy) £2,000 £125 £2,000 £95 £2,000 £65 £2,000 Nil
lost lift pass £200 Nil £200 Nil £200 Nil £200 Nil
Travel disruption (Optional)
39 Piste closure £200 (£20 per 24hrs) Nil £200 (£20 per 24hrs) Nil £200 (£20 per 24hrs) Nil £500 (£75 per 24hrs) Nil
17 Cancellation or curtailment £750 £125 £1,000 £95 £5,000 £65 £10,000 Nil
40 Avalanche or landslide £150 (£30 per 24hrs) Nil £150 (£30 per 24hrs) Nil £150 (£30 per 24hrs) Nil £500 (£75 per 24hrs) Nil
18 Substitute accommodation £3,000 £125 £3,000 £95 £3,000 £65 £3,000 Nil
Gap Year - Gold plus cover (Optional)
19 Enforced stay £1,500 Nil £1,500 Nil £1,500 Nil £1,500 Nil
41 Course fees No cover n/a No cover n/a £2,000 £65 No cover n/a
20 Missed connections £1,000 Nil £1,000 Nil £1,000 Nil £1,000 Nil 42 Computer equipment No cover n/a No cover n/a £1,000 £65 No cover n/a
4 5About our travel insurance services Flexicover sells travel insurance products underwritten by the insurer, explains features, limitation and exclusions of the policy, and
provides services in relation to the issue, renewal or continuation of a policy.
Please find below the terms that apply for customers who are arranging their travel insurance through us with the insurer. Type of insurance and cover
About us Travel insurance for Single Trips or Annual Multi-Trip – please refer to your policy schedule for your selected cover.
Flexicover, a division of Citybond Holdings Ltd, 109 Elmers End Road, Beckenham, Kent, BR3 4SY, which is authorised and regulated by Various optional covers may also be included – your policy schedule will show if you selected these options.
the Financial Conduct Authority (FCA) to transact general insurance business. Citybond’s FCA Registration number is 312208. You can Age eligibility
check this information by visiting the Financial Services Register at https://register.fca.org.uk/ or by contacting their consumer helpline All insured persons must be the following ages or under at the date of buying this insurance:
on 0300 500 8082.
Single Trip policies there is no upper age limit, but winter sports cover is restricted to those aged 70 years or under.
Our travel insurance products & service
Annual Multi-Trip policies - 85 years of age or under, but winter sports cover is restricted to those aged 70 years or under.
This travel insurance is suitable for those who wish to insure themselves when travelling in respect of medical emergencies, cancellation,
losses to baggage or money, personal liability and similar expenses incurred from their travel. Long Stay policies - 75 years of age or under.
We only offer travel insurance products from a single insurer. We do not give advice or make personal recommendations in connection Gap Year - 45 years of age or under.
with any travel insurance product. However, we will ask you questions in order to provide you with a quotation, leaving you to make your All ages at the date of policy purchase and not date of trip departure.
own decision as to how you wish to proceed and whether this product fulfils your specific insurance requirements. Conditions
Insurance premiums & fees You are travelling with the intention to return to the United Kingdom, Channel Islands or BFPO within your trip dates unless an
We collect and hold insurance premiums as agent of the insurer. When we provide you with a quotation, we will tell you about any fees extension has been agreed with us and we have confirmed this in writing.
which may apply in addition to the insurance premium. The fees shown are current at the time of printing but we do reserve the right It is essential that you refer to the ‘Important conditions relating to health’ section on pages 15-16 section in the policy wording as
to vary them if necessary. failure to comply with these conditions may jeopardise your claim or cover.
We may charge the following fees: Your Flexicover travel insurance policy is not a private medical insurance policy and does not cover private medical treatment, private
• Policy Issue £1.80 per person hospital costs or other related expenses incurred unless these have been specifically agreed and authorised by the Medical Emergency
• Policy cancellation within 14 days £9 per policy Assistance Company.
• Policy cancellation outside of 14 days £15 per policy This policy only provides cover in the event of an accident or sudden illness that requires emergency treatment. In the event of any
• Policy amendments £10 per policy medical treatment becoming necessary which results in a claim under this insurance, you will be expected to allow insurers or their
Your duty of disclosure representatives unrestricted reasonable access to your medical records and information.
It is important that you provide us and/or your insurers with any information likely to affect the assessment and acceptance of your travel There is no cover under Section 2 - Emergency medical and other expenses and Section 3 - Hospital benefit for claims occurring in
insurance. Where we ask for information please make sure it is accurate and let us know if there are any changes on an on-going basis. Please your home area.
ensure you read the terms and conditions carefully to ensure that you are aware of the information that we and/or insurers will require relating You have agreed that this policy, schedule and any endorsements will only be available in English and shall be governed by and construed
to the travel cover we are arranging for you. If you are in any doubt as to whether information is relevant then you should call and discuss it in accordance with the law of England and Wales.
with us and/or your insurers.
If you have arranged a policy and you declare details of your change in health after the date you bought your policy we reserve the right to All communication relating to this policy or any claims will be in English
charge an additional premium to allow cover to continue, add further terms and conditions to your policy or exclude cover for claims arising If you are travelling to Australia and you require medical treatment you should enrol with a local Medicare office.
from the change in health. Special conditions apply to each section of your policy - please refer to the policy wording for full details.
If we are not able to provide cover for the change in circumstances or if you do not wish to pay the additional premium which is necessary to allow If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland, you are strongly
cover to continue, you will be entitled to make a claim under Section 1 (Cancellation) for your irrecoverable travel and accommodation costs. advised to obtain an European Health Insurance Card (EHIC) by completing an application form via www.ehic.org.uk
Alternatively, you will be entitled to cancel your policy, in which case, we may refund a proportionate amount of your premium.
Complaints procedure Please note: The European Health Insurance Card (EHIC) is not available to residents of the Channel Islands or Isle of Man.
We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your
expectations, we are equally committed to dealing with any complaint in a thorough and professional manner.
If you wish to make a complaint about the sale of your policy, please contact us:
In writing, addressed to Significant features and benefits
Customer Care Manager, Flexicover,
109 Elmers End Road, Beckenham, Kent BR3 4SY; or All insured persons are covered to travel independently.
By email to quality@flexicover.co.uk War risks, civil commotion and terrorism – cover for these events is only provided under Section 2 – Emergency medical and other
If you cannot settle your complaint with us, you will be entitled to refer it to the Financial Ombudsman Service. expenses, Section 3 – Hospital benefit and Section 4 – Personal accident (unless caused by nuclear, chemical or biological attack) – Please
Financial Services Compensation Scheme (FSCS) see paragraph 1. in the ‘General exclusions on pages 16-18 - applicable to all sections of the policy’ in the policy wording for full details.
We are covered by the Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you.
This depends on the type of insurance and the circumstances of the claim.
Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk). Significant or unusual exclusions or limitations
Your cancellation rights
If you wish to cancel your policy please refer to the General conditions applicable to the whole policy on page 14 where your cancellation The standard excesses and any increased amount you have agreed to pay will be shown within your policy wording or on the policy
rights are explained, alternatively please contact us on info@flexicover.co.uk or telephone 0330 123 5633. schedule.
Any trip that has already begun when you purchase this insurance will not be covered, except where this policy replaces or you renew an
existing Annual Multi-Trip policy which fell due for renewal during the trip.
General exclusions applicable to all sections of the policy
A number of sports, activities and Winter Sports are excluded - Please see paragraphs 5, 6 and 7 in the General exclusions on pages
Policy summary 16-18 in the policy wording.
Climbing on or jumping from vehicles, buildings or balconies regardless of the height.
This policy summary does not contain full details and conditions of your insurance – these are located in your policy wording starting You drinking too much alcohol (a blood alcohol level that exceeds 0.19% - approximately 4 pints or 4 glasses of wine) resulting in a claim.
on page 10. Wilful, self inflicted injury (except where it is to save human life), suicide, drug use or solvent abuse.
This insurance is Underwritten by Union Reiseversicherung AG, UK. Union Reiseversicherung AG are authorised by BaFin and subject to Unlawful actions or any criminal proceedings brought against you (this does not apply to Section 14 - Incarceration abroad)
limited regulation by the Financial Conduct Authority. URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and Travel to a country, specific area or event which the Foreign and Commonwealth Office (www.fco.gov.uk) or the World Health
the Republic of Ireland Registered in England & Wales. Company No. FC024381 Branch No. BR006943A public body corporate with Organisation (www.who.int) has advised against all travel or all but essential travel (this does not apply to Section 1 - Cancellation and
limited liability. Registered Office: Maximilian Strasse 53, D-80530 Munich, Germany. Registered with Amtsgericht Munich, Germany curtailment if the date the trip was booked or the policy was purchased before the date the advice was issued).
Registered Number: HRB 137918 Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in Health conditions
the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator. Union Reiseversicherung We will not pay claims if at the time of taking out this insurance and/or, for Annual Multi-Trip policies prior to the booking of any individual
AG are members of the Financial Services Compensation Scheme. trip you;
You can check this information on the Financial Services Register by visiting the website https://register.fca.org.uk/ or by phoning • are receiving or waiting for hospital tests or treatment for any condition or set of symptoms that have not been diagnosed;
0300 500 8082. • are travelling against the advice of a medical practitioner or travelling to get medical treatment abroad;
• have been told about a terminal condition.
6 7We will not pay claims if your medical condition changes between the date you bought the policy and the date you book each trip (if you Exclusions under Section 9 – Missed departure
have arranged an Annual Multi-Trip policy) unless you tell Flexicover about the change in your medical condition and they accept that Strike, industrial action or adverse weather conditions existing or being publicly announced or forecast by the date you purchased this
change for cover. If we cannot cover ALL your medical condition(s), or you do not want to pay the additional premium quoted, we will insurance or at the time of booking any trip.
give you the choice of either: Your failure to arrive at the international departure point in time to board any connecting public transport after your departure on the
initial international outbound and return legs of the trip.
• making a cancellation claim for any pre-booked trips; or
Claims arising directly from volcanic eruptions and/or volcanic ash clouds.
• continuing the policy but without cover for your medical condition(s); or Exclusions under Section 10 – UK departure assistance and missed UK connection
• cancelling your policy and receiving a proportionate/partial refund (provided that you have not made a claim or are about to). Strike, industrial action or adverse weather conditions existing or being publicly announced or forecast by the date you purchased this
Important limitations – Cancelling and cutting short your holiday insurance or at the time of booking any trip.
If it becomes necessary for you to curtail or cancel your trip following a serious illness or death of a close relative or business associate Exclusions under Section 12 – Extended kennel and/or cattery fees
(both considered “the third party”), you will only be covered upon the written confirmation of the third party’s medical practitioner Claims arising from your bodily injury or illness that is not covered under Section 12 – Emergency medical and other expenses.
that he/she would not have foreseen such a deterioration in his/her patient’s condition at the time insurance was taken out or before Exclusions under Section 13 – Hijack and kidnap
your trip was booked. Any claim arising out of any act(s) by you which would be considered an offence by a court of the United Kingdom if they had been
You should also refer to the General exclusions on pages 16-18. committed in the United Kingdom.
Returning early to your home area Any claim where the detainment, internment, hijack or kidnap of you has not been reported to or investigated by the Police or local
We must agree for you to return to your home area (or your final country of a one-way trip) under Section 2 (Emergency medical authority.
expenses) or Section 1 (Cancellation and curtailment). If we do not agree, we will not provide cover and may reduce the amount we pay Exclusions under Section 14 – Incarceration abroad
you to return to your home area (or the final country of a one-way trip). Any costs incurred by you in relation to your imprisonment.
Pregnancy and childbirth Exclusions under Section 15 - Scheduled airline failure
Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are Any expense following your disinclination to travel or to continue with your trip or loss of enjoyment on your trip.
away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal Any form of travel delay or other temporary disruption to your trip.
childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Your scheduled airline is in administration or, in the USA and Canada, in Chapter 11 at the time of taking out your policy.
Toxaemia, Gestational diabetes, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar Exclusions under Section 16 - Gadget cover
pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Any claim for a gadget purchased under a private sale.
Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you Theft of the gadget left unattended in a public place or a place to which the public has regular access.
know you are having more than one baby) before the expected delivery date. A deduction for wear, tear and depreciation will be made. You can find full details of the wear and tear scale published on the Travel Claims
Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline Facilities website www.tifgroup.co.uk/services/claims/wear-tear-depreciation/
in advance. It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to Exclusions under Sections 36, 37, 38, 39 and 40
have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel A deduction for wear, tear and depreciation will be made. You can find full details of the wear and tear scale published on the Travel Claims
is advised against, or you are unable to receive the appropriate and required vaccinations for that country. Facilities website www.tifgroup.co.uk/services/claims/wear-tear-depreciation/
Excesses Exclusions under Section 41 – Course fees
Under most sections of this policy you have to pay the first part of any claim. This is called an excess. All excesses shown for this policy are Any claim unless the college confirms in writing that the course or any part of it needs to be repeated.
payable by each insured person, per section and for each incident giving rise to a separate claim. This amount is shown under each of the Exclusions under Section 42 – Computer equipment
sections where it applies. Your excess may be increased to include existing medical conditions confirmed in writing by us. The increased Computer equipment left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
excess will apply to all persons insured on the policy whose claim has been caused by the declared medical condition. Duration
Property claims This is an annually renewable or short trip policy – please refer to your policy schedule for your selected cover.
The Baggage section only covers items that belong to you, is not ‘new for old’ and an amount for age, wear and tear and depreciation Cancellation rights
will be deducted. We have a cancellation and refund policy, which you will find on page 14. Please be aware that no refund of the insurance premium will be
You can find full details of the wear and tear scale published on the Travel Claims Facilities website at given after your policy has been issued and you have travelled on, claimed or intend to claim against the policy.
www.tifgroup.co.uk/services/claims/wear-tear-depreciation/ Claim notification
Exclusions under Section 1 – Cancellation and curtailment To make a claim telephone 0203 824 0714.
Redundancy caused by misconduct, resignation, voluntary redundancy or where you received a warning or notification of redundancy before Complaints procedure
you purchased this insurance or at the time of booking any trip. If you have a complaint about the sale of your policy, please write to:
Any circumstances known to you before you purchased this insurance or at the time of booking any trip that could reasonably be Customer Care Manager, Flexicover, 109 Elmers End Road, Beckenham, Kent, BR3 4SY or
expected to give rise to a claim. By email to quality@flexicover.co.uk
More than the proportionate cost of your trip and any claim against the policy (all sections) where you have not insured for the full cost If you would like to complain about the outcome of your claim, or assistance provided, please forward details of your complaint as
of your trip. follows:
Exclusions under Section 2 – Emergency medical and other expenses In writing to: Customer Insights Manager, URV, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY or
Treatment or surgery which, in the opinion of the Emergency Assistance Facilities in conjunction with your treating doctor, can wait until By email: complaints@tif-plc.co.uk or
your return to your home area. By telephone: 0203 829 6604 who will review the claims office decision.
Medication which, prior to departure, is known to be required. If you are still not satisfied with the way we have handled your complaint, you may then take your complaint to the Financial
Expenses incurred as a result of a tropical disease where you have not had the NHS recommended inoculations and/or taken the NHS Ombudsman Service who will investigate your complaint.
recommended medication. Insurance Division, The Financial Ombudsman Service, Exchange Tower, London, E14 9SR or
Exclusions under Section 3 – Hospital benefit By phone 0300 123 9123 or email complaint.info@financial-ombudsman.org.uk
Hospitalisation, compulsory quarantine or confinement to your accommodation as a result of a tropical or other disease where you have You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify
not had the NHS recommended inoculations and/or taken the NHS recommended medication. The Financial Ombudsman Service on your behalf.
Exclusions under Section 5 – Baggage Financial Services Compensation Scheme (FSCS)
Valuables left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation. You are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/ who will notify The
Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment and other items are excluded - See your policy wording Financial Ombudsman Service on your behalf. The insurer is covered by the Financial Services Compensation Scheme. This provides
for the full list. compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under its
The usage of drones. (See policy definition on page 11). policies. Further information can be obtained from the Financial Services Compensation Scheme (www.fscs.org.uk) or by contacting
A deduction for wear, tear and depreciation will be made. You can find full details of the wear and tear scale published on the Travel Claims the FSCS at 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or by calling 0800 678 1100 or 020 7741 4100.
Facilities website www.tifgroup.co.uk/services/claims/wear-tear-depreciation/
Exclusions under Section 6 – Personal money, passport and documents
Personal money or your passport or visa left unattended at any time unless in a hotel safe, safety deposit box or in your locked
accommodation.
Loss or theft of traveller’s cheques where you have not complied with the issuing agent’s conditions.
Annual renewals
Exclusions under Section 7 – Personal liability
Pursuit of any trade, business or profession, or the ownership, possession or use of mechanically propelled vehicles, aircraft or watercraft. We will write to you 3 weeks in advance of your policy expiry date and tell you about the new premium and any changes to the policy
Exclusions under Section 8 – Delayed departure and abandonment terms and conditions to enable you to renew your policy.
Strike, industrial action, air traffic control delay or adverse weather conditions existing or being publicly announced or forecast by the date
you purchased this insurance or at the time of booking any trip.
Claims arising directly from volcanic eruptions and/or volcanic ash clouds.
8 9Complications of pregnancy and childbirth
Policy Wording Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away.
From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or
This contract of insurance is made between you and the Insurer (Union Reiseversicherung AG UK) who will provide the services and cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise:
benefits described in this policy. Toxaemia, Gestational diabetes, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy
Flexicover sells travel insurance products underwritten by the insurer, explains features, limitation and exclusions of the policy, and or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage,
provides services in relation to the issue, renewal or continuation of a policy. Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are
This is your travel insurance policy. It contains details of cover, conditions and exclusions relating to each insured person and is the basis having more than one baby) before the expected delivery date.
on which all claims will be settled. It is validated by the issue of the schedule which we recommend be attached to the policy. Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in
In return for having accepted your premium, we will, in the event of bodily injury, death, illness, disease, loss, theft, damage, legal liability advance. It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have
or other specified events happening within the period of insurance, provide insurance in accordance with the operative sections of the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised
your policy as referred to in your schedule. against, or you are unable to receive the appropriate and required vaccinations for that country.
In the event that you have paid for a trip on behalf of other individuals not insured on this policy please be advised that your policy only Connecting flights
provides cover for your proportion of trip costs, as opposed to the amount you have paid on behalf of others. We provide cover for the first part of your outward and final part of your return journey of your trip. No cover is provided for any claim
The schedule and any endorsements are all part of the policy. Your policy is evidence of the contract of insurance. under Section 8 - Delayed departure or Section 9 - Missed departure which relates to onward/connecting flights, unless the optional
This policy is only available to you if you are permanently resident in the United Kingdom, Channel Islands or British Forces Posted Travel Disruption cover has been purchased.
Overseas and have been for the past six months prior to the date of issue, and are registered with a medical practitioner in the United Couple
Kingdom, Channel Islands or British Forces Posted Overseas. You and your husband / wife / civil partner / spouse or partner who you are living with at the same address as you. Each Insured
The Law applicable to this policy person is covered to travel independently.
You and we can choose the law which applies to this policy. We propose that English Law applies. Unless we and you agree otherwise Cruise
English law will apply to this policy. A pleasure voyage of more than 72 hours duration, sailing as a passenger on a purpose built ship on sea/s, rivers or oceans that may
Policy excess include stops at various ports.
Please refer to the section under which the claim is being made for full details of the policy excess applicable. Curtailment/Curtail/Curtailed
Helplines means abandoning or cutting short the trip by direct early return to your home area, in which case claims will be calculated from the
Please carry this policy with you in case of an emergency. day you returned to your home area based on the number of complete days of your trip you have not used.
Details of the helplines can be found at the foot of each policy section and on the back page of the policy. Domestic flight
If you would like more information or if you feel the insurance may not meet your needs, visit www.flexicover.co.uk. A flight where the departure and arrival takes place within your home area.
Union Reiseversicherung AG Drones
This insurance is Underwritten by Union Reiseversicherung AG, UK. Union Reiseversicherung AG are authorised by BaFin and subject to Un-manned aerial vehicle
limited regulation by the Financial Conduct Authority. URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and Emergency Assistance Facilities
the Republic of Ireland Registered in England & Wales. Company No. FC024381 Branch No. BR006943A public body corporate with Provides the 24 hours/365 day medical repatriation and assistance services on behalf of Travel Insurance Facilities, UK branch of Union
limited liability. Registered Office: Maximilian Strasse 53, D-80530 Munich, Germany. Registered with Amtsgericht Munich, Germany Reiseversicherung AG.
Registered Number: HRB 137918 Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in Family cover
the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator. Union Reiseversicherung means up to two adults and any number of their children, step children, foster children or grandchildren aged under 18. Each insured
AG are members of the Financial Services Compensation Scheme. person is covered to travel independently.
You can check this information on the Financial Services Register by visiting the website https://register.fca.org.uk/ or by phoning 0300 Geographical area(s)
500 8082. means the countries of the area for which you have paid the appropriate premium, except those countries or parts of countries where
the Foreign & Commonwealth Office (FCO) has advised against travel.
Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within your home area once you commence
Definitions your trip, and during your return journey to your home.
Please note: No cover is provided under Section 2 - Emergency Medical Expenses and Section 3- Hospital benefit within your home
These definitions apply throughout your policy booklet. Where we explain what a word means, that word will appear highlighted in bold area.
print and have the same meaning wherever it is used in the policy. We have listed the definitions alphabetically. You will be covered when travelling by recognised public transport between countries, but not if you are being paid to crew a private
BFPO motor or sailing vessel or are travelling by private plane.
British Forces Posted Overseas United Kingdom (Single Trip and Annual Multi-Trip only): England, Scotland, Wales, Northern Ireland and the Isle of Man.
Back country
Guided skiing in terrain which are in remote areas away from groomed pistes, not within ski boundaries and outside of patrolled resort Europe: Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus,
boundaries, this includes terrain that has been accessed by a ski lift but then requiring a hike, ski, climb or skidoo to reach areas of side Czech Republic, Denmark (including Faroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece
country or back country. (including Greek Islands), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia & Sicily), Latvia, Liechtenstein, Lithuania,
Baggage Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway (including Jan Mayen, Svalbard Islands), Poland,
means luggage, clothing, personal affects and valuables (but excluding ski equipment, and personal money and documents of any Portugal (including Azores & Madeira), Romania, Russia (European), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain
kind) which belong to you (or for which you are legally responsible) which are worn, used or carried by you during any trip. (including Balearic and Canary Islands), Sweden, Switzerland, Turkey, Ukraine, United Kingdom and Vatican City.
Bodily injury Australia & New Zealand (Gap Year policy only): Australia, including territory of Cocos (Keeling islands), the territory of Christmas Island,
means an identifiable physical injury caused by sudden, unexpected, external and visible means including injury as a result of unavoidable Norfolk Island and Lord How Island, Tasmania, and New Zealand, including the Cook Islands, Niue and Tokelau.
exposure to the elements. Worldwide excluding USA, Canada & the Caribbean: Worldwide, excluding United States of America, Canada and all islands in the
Business goods or equipment Caribbean Sea including the Bahamas and Bermuda.
means items used by you and which belong to you in support of your business activity including devices such as tablets, tools and Worldwide including USA, Canada & the Caribbean: All countries worldwide.
laptops.
Channel Islands Healthscreen247
Healthscreen247, a division of Citybond Holdings Ltd, provides the medical screening service to Flexicover.
Jersey, Guernsey, Alderney, Sark, Herm, Jethou, Brecqhou and Lihou.
Home
Change in medical condition
means your normal place of residence in the United Kingdom, Channel Islands or BFPO.
You must tell Healthscreen247 if your health changes after you purchased your policy but before you travel if you have:
Home area
• changed your medication.
for residents of the United Kingdom excluding the Isle of Man and Channel Islands, your home area means the United Kingdom
• seen a doctor and have seen or been referred to a consultant or specialist. excluding the Isle of Man and Channel Islands.
• been admitted to hospital for, or waiting to receive treatment (including surgery, tests or investigations) or the results of tests or For residents of the Isle of Man or Channel Islands, your home area means either the Channel Islands or the Isle of Man depending
investigations. on where your home is.
Close business associate For residents at a BFPO address, your home area is the country in which you are posted overseas.
means a business partner, director or employee of yours who has a close working relationship with you.
(Please note that for the purpose of this insurance each of these areas is defined as a separate area of residence).
Close relative
International departure point
Spouse or partner who you are living together with, parents, grandparents, legal guardians, foster child, parents-in-law, daughter-in-
The airport, international rail terminal or port from which you depart from your home area to your destination, and from where you
law, son-in-law, brother-in-law, sister-in-law, step-parents, step-child, step-brother, step-sister, aunt, uncle, brother, sister, child,
depart to begin the final part of your journey home at the end of your trip.
grandchild, niece, nephew, or fiancé(e)
10 11Manual work Gap Year
Work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys, or any form of work means the period of the trip and terminating upon its completion, but not in any case exceeding the period shown in the schedule.
underground. n For insured persons aged up to and including 45 years of age, for one single trip with a maximum duration which shall not exceed
We will provide cover for manual labour that is voluntary, for a charity registered under the Charity Commission in England and Wales, 18 months. Not renewable.
the Scottish Charity regulator or the Department for Social Development in Northern Ireland and where you will not earn any money. In Note: In the event that you return home temporarily, and not exceeding 14 days, to your home during the period of insurance, the
these situations, you will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, cover under the policy will cease upon your arrival home and not be re-instated until departure from your home. Any claim occurring
mechanical or hydraulic machinery. You will not be covered when you are working more than two storeys above the ground, and cover during your stay within your home area will not be covered.
for personal accident and personal liability is not included. If you injure yourself during voluntary work, the policy excess under Section 2 Personal money
(Emergency Medical and other expenses) will be increased to £250. means bank notes, currency notes and coins in current use, travellers’ and other cheques, postal or money orders, pre-paid coupons or
Medical condition(s) vouchers, travel tickets, event and entertainment tickets, phone cards, money cards and credit/debit or pre-pay charge cards all held
means any disease, illness or injury, including psychological conditions. for private purposes.
Medical practitioner Public transport
means a registered practising member of the medical profession recognised by the law of the country in which they are practising, who means buses, coaches, domestic flights or trains that run to a published scheduled timetable.
is not related to you or any person who you are travelling with. Redundancy
Off-Piste Being an employee where you qualify under the provision of the Employment Rights Acts, and who, at the date of termination of
Skiing within ski area boundaries, off marked and groomed pistes and in between groomed trails and runs, where ski lifts and emergency employment by reason of redundancy, has been continuously employed for a period of two years or longer and is not on a short term
services are easily accessible and ending back at a ski area lift. Not including back country or areas marked or prohibited from entry. fixed contract.
On-Piste Relevant information
Piste skiing, including skiing on areas in and around the resort, but off the actual marked pistes, such as skiing on a hillside between marked A piece of important information that would increase the likelihood of a claim under your policy.
pistes, or skiing down slopes adjacent to marked runs, but always finishing at the bottom of tows or lifts within the resort and never in Secure baggage area
areas cordoned off or restricted. All other areas are considered as ‘off piste’. means any of the following, as and where appropriate:
One-way trip a. The locked glove compartment, boot or luggage compartment of a motor vehicle
means a trip or journey made by you within the countries of the geographical areas but excluding your home area, during the period b. The locked luggage compartment of a hatchback vehicle fitted with a lid closing off the luggage area, or of an estate car with a fitted
of insurance, but with cover under this policy ceasing 12 hours after the time you first leave the immigration control of the country in and engaged tray or roller blind cover behind the rear seats
which your final destination is situated. c. The fixed storage units of a locked motorised or towed caravan
Period of insurance d. A locked luggage box, locked to a roof rack which is itself locked to the vehicle roof.
Under Single Trip, Long Stay and Gap Year policies Section 1 - Cancellation shall be operative from the time you pay the premium except
for Annual Multi-Trip policies where cover shall be operative from the start date stated on the schedule or the time of booking the trip Ski equipment
(whichever is the later) and terminates on commencement of any trip or expiry of the policy (whichever is the earlier). means skis and snowboards (including bindings), ski boots and ski poles.
Stopover
For all other sections of the policy, whichever cover is selected, the insurance starts when you leave your home or your place of
means that if you purchase a policy for Worldwide excluding USA, Canada and the Caribbean you are able to stopover in any country
business in your home area (whichever is the later) to start the trip and ends at the time of your return to your home or place of detailed in the geographical area of Worldwide including USA, Canada and the Caribbean for a limited period (as shown below),
business in your home area (whichever is the earlier) on completion of the trip. applicable to both the outward and return journey:
However, any trip that had already begun when you purchased this insurance will not be covered, except where this policy replaces or For Single Trip and Annual Multi-Trip the permitted stopover time is 24 hours.
you renew an existing Annual Multi-Trip policy which fell due for renewal during the trip.
For Long Stay policies, the permitted stopover time is 72 hours.
The period of insurance is automatically extended for the period of the delay in the event that your return to your home area is
For Gap Year policies, if you purchase a policy for Australia and New Zealand, you are able to stopover in any country detailed in the
unavoidably delayed due to an event insured by this policy.
geographical area of Worldwide including USA, Canada and the Caribbean, applicable to both the outward and return journey for a
Annual Multi-Trip limited period. The permitted stopover time is 72 hours.
means the period for which we have accepted the premium as stated in the schedule. During this period any trip not exceeding the Terrorism
number of days shown below is covered: means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons,
n 50 days for each insured person up to and including 65 years of age. This is extendable up to 100 days upon payment of an whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious,
additional premium. ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public,
n 35 days for each insured person aged between 66 and 75 years of age inclusive. This is extendable to 50 days upon payment of in fear.
an additional premium. Travelling companion
n 35 days for each insured person aged between 76 and 85 years of age inclusive. This is not extendable. A person with whom you are travelling with and on the same booking, or with whom you have arranged to meet at your trip destination
n Winter Sports cover may be included up to 17 days during the period of insurance for each insured person aged up to and including with the intention of spending a proportion of your trip with, who may have booked independently and therefore not included on the
70 years of age upon payment of the appropriate premium. same booking and may have differing inbound and outbound departure times or dates.
Single Trip Travel Claims Facilities
means the period of the trip and terminating upon its completion or your return to your home area (whichever is earlier) but not in Provides the claims services on behalf of Travel Insurance Facilities, UK branch of Union Reiseversicherung AG.
any case exceeding the period shown in the schedule. Trip
Bronze cover: means any holiday (including cruises), business or pleasure trip, journey or pre-paid excursion made by you within the geographical
areas shown in the schedule which begins and ends in your home area during the period of insurance.
31 days for each insured person up to 85 years of age.
However any trip that had already begun when you purchased this insurance will not be covered, except where this policy replaces or
Silver, Gold and Platinum cover: you renew an existing Annual Multi-Trip policy which fell due for renewal during the trip.
n For each insured person aged 75 years and under, the maximum trip duration is 100 days. In addition any trip solely within your home area under Annual Multi-Trip cover is only covered where you have pre-booked at least
n For each insured person aged 76 years and over, the maximum trip limit is 31 days. two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.
Under these policies, Section 1 - Cancellation cover shall be operative from the time you pay the premium. Each trip under Annual Multi-Trip cover is considered to be a separate insurance, with the terms, definitions, exclusions and conditions
Long Stay contained in this policy applying to each trip.
means the period of the trip and terminating upon its completion or your return to your home area (whichever is earlier), but not in No cover is provided under Section 2- Emergency medical expenses and Section 3 - hospital benefit within your home area.
any case exceeding the period shown in the schedule. Unattended
means left away from your person where you are unable to clearly see and are unable to get hold of your possessions.
Maximum trip duration (months) Up to 65 years 66-70 years 71-75 years United Kingdom/UK
means England, Scotland, Wales, Northern Ireland and the Isle of Man.
Europe Gold - 12 Gold - 12 Gold - 12
Silver - 6 Silver - 6 Silver - 6 Valuables
means photographic, and video equipment, and associated equipment of any kind; computer hardware and software; games consoles
Worldwide excluding Gold - 12 Gold - 9 Gold - 6 (Playstation, Gameboy, Nintendo, etc) accessories and games; personal organisers; televisions; portable video, audio and computer
USA, Canada & Caribbean Silver - 6 Silver - 6 Silver - 6 equipment (DVD, CD, mini-disc, MP3/4 players, iPods, iPads, computerised tablets, eBooks, Kindles etc) and all associated discs and
accessories; spectacles; prescription sunglasses, telescopes; binoculars; jewellery; watches; furs; leather articles; precious stones and
Worldwide including Gold - 12 Gold - 6 Gold - 4
articles made of or containing gold, silver or other precious metals.
USA, Canada & Caribbean Silver - 6 Silver - 6 Silver - 4
12 13Vermin
means rats, mice, squirrels, owls, pigeons, foxes, bees, wasps or hornets.
Claims conditions
Winter Sports You must comply with the following conditions to have the full protection of your policy.
Skiing, snowboarding and ice skating.
If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim
We/Us/Our/Insurer payment.
Union Reiseversicherung AG UK.
If you would like to make a claim please contact us at:
You/Your/Yourself/Insured Person(s)
mean each person travelling on a trip whose name appears on the policy schedule and for whom the appropriate premium has been paid, Travel Claims Facilities
resident in the United Kingdom, Channel Islands or BFPO and has been for the past six months prior to the date of issue, and registered For all claims except Section 11 - Legal expenses contact us at:
with a medical practitioner and at the date of application not being more than 85 years for Annual Multi-Trip cover, 75 years for Long Travel Claims Facilities
Stay cover and 45 years for Gap Year cover. PO Box 395
Hertford
SG13 9JW
Phone: 0203 824 0714 (opening hours Monday to Friday 8am-8pm, Saturday 9am-1pm)
Claim forms can be obtained from www.policyholderclaims.co.uk
To make a claim under Section 11 - Legal expenses please contact us at:
General conditions applicable to the whole policy Slater & Gordon LLP
58 Moseley Street
You must comply with the following conditions to have the full protection of your policy. Manchester
If you do not comply, we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim M2 3HZ
payment.
Tel: 0161 228 3851 (opening hours Monday to Friday 9am-5pm)
Multiple insured persons
You must get permission from any other person whose information you intend to provide on this policy before you provide it. In For all claims, please quote Master Policy Number: RTACD40026-01 , and Flexicover.
submitting any other person’s details, you are confirming to us that you have their permission to do so and that they understand how To submit a claim you must do the following:
their details will be used. - Produce your insurance validation documentation confirming you are insured before a claim is submitted;
Each person is insured within their own right, any request to remove one of the named adults from a policy must be accompanied by - Give us full details, in writing, of any incident that may result in a claim under any section of the policy at the earliest possible time.
written or verbal consent from the adult concerned. - Provide all necessary information and assistance we may require at your own expense (including, where necessary, medical
Accurate & relevant information certification and details of your National Health Number, or equivalent, and Private Health Insurance).
You have a duty to take reasonable care to answer questions fully and accurately, and that any information you give to us is not - Pass on to us immediately every writ, summons, legal process or other communication in connection with the claim.
misleading. This applies both when you take the policy out and at any time during the policy period. If you do not do so, we reserve the - Provide full details of any House Contents and All Risks Insurance policies you may have.
right to void your policy from inception and refuse all claims made against it. In the event that it becomes necessary to cancel your - Ensure that all claims are notified within 3 months of the incident occurring.
policy following a misrepresentation or suspected fraud, we will give you seven days’ notice of cancellation of the policy by recorded
delivery to you at your last known address. - Not abandon any property to us or the claims office.
Dual insurance - Not admit liability for any event or offering to make any payment without our prior written consent.
If, at the time of any incident which results in a valid claim under this policy, there is another insurance covering the same loss, damage, If we are required to do so, we can:
expense or liability, we will not pay more than our proportional share (not applicable to Section 4 – Personal accident). - Make your policy void where a false declaration is made or any claim is found to be fraudulent.
Reasonable precautions - Take over and deal with, in your name, the defence / settlement of any claim made under the policy.
At all times you must take all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take all reasonable steps - Subrogate against the responsible party and take proceedings in your name, but at our expense, to recover for our benefit the
to safeguard your property from loss or damage and to recover property lost or stolen. Failure to comply with your duty to minimize amount of any payment made under the policy.
consequences of the loss shall entitle us to reduce payment of the claim proportionally, taking into account resulting damages and - Obtain information from your medical records (with your permission) for the purpose of dealing with any medical claims. No personal
your culpability. information will be disclosed to any outside person or organisation without your prior approval.
Cancellation - Cancel all benefits provided by this policy without refund of premium when a payment has been made for cancellation or curtailment
Automatic cancellation rights of the trip.
You may cancel this policy within 14 days of receipt of the policy documents (new business) and for Annual policies the renewal date - Only pay a proportionate amount of the claim where there is other insurance in force covering the same risk and to require details
(the cancellation period) by writing to the address shown in your schedule during the cancellation period. Any premium already paid of such other insurance.
will be refunded to you providing you have not travelled, no claim has been made or is intended to be made and no incident likely to - only make claims payments by electronic BACS transfer, unless otherwise agreed by us.
give rise to a claim has occurred. - Settle all claims under the law of the country that you live in within the United Kingdom or Channel Islands unless we agree
Cancellation outside the statutory period otherwise with you.
Should you wish to cancel your policy outside of the 14 day cooling off period, and can confirm that there have been no claims on - Submit any disputes arising out of this contract to the exclusive jurisdiction of the courts of the country that you live in within the
the policy and that you have not travelled, in addition to a £15 cancellation charge; the following cancellation terms will be applied United Kingdom or Channel Islands.
dependant on what type of policy you have purchased.
Single Trip policies - In the event you have not travelled and are not claiming on the policy, a refund of 50% of the policy premium and
any additional premium applied to your existing medical conditions will apply. If you have travelled or are intending to claim, or have
made a claim (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.
Annual Multi-Trip policies - Provided you have not made a claim on the policy (irrespective of whether your claim was successful
or not) and you confirm in writing that there is no claim pending, should you choose to cancel and understand that all benefits of the
Important conditions relating to health
policy will be cancelled, we will refund 5% of the total premium paid, for each full calendar month remaining on the policy from the date
of cancellation. If you are intending to, or have claimed (irrespective of whether your claim was successful or not) we will not consider These apply to Section 1 – Cancellation or curtailment charges, Section 2 – Emergency medical and other expenses, Section 3 –
refunding any proportion of your premium. Hospital benefit, Section 4 – Personal accident and Section 41 – Course fees.
We reserve the right to give 7 days’ notice of cancellation of this policy, without refund, by recorded delivery to you at your last known It is very important that you read and understand the following.
address in the event of the following circumstances; 1. You will not be covered for medical conditions if you have not told Healthscreen247 about them and they have not agreed to
fraud, suspected fraud, misleading information or deliberate misrepresentation, or abusive behaviour to any of our staff or agents. cover them in writing. You will also not be covered for anything that arises from, or is in any way related to, or has been triggered
or caused by, a medical condition, unless you have told Healthscreen247 about the condition/s and they have agreed to cover
Non payment of premiums
them and confirmed this in writing.
We reserve the right to cancel this policy immediately in the event of non payment of the premium. 2. If Healthscreen247 are unable to cover the medical condition, this will mean that you and any other person insured by
Healthscreen247 will not be covered for any directly related claims arising from the medical condition.
3. We will not pay any directly related claims if at the time of taking out this insurance or when booking a trip under an Annual Multi-
Trip policy you:
14 15You can also read
